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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity
2014 Bureau of Fraud Deterrence Enforcement Activity
 
Please Note: P.L. 2013, c. 259 became effective on July 1, 2014.  This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Bureau of Fraud Deterrence.
July > August > September > October
October


Executed Consent Orders

Angela Ramos, Passaic, NJ
Order #12-50039-05, October 15, 2014
Respondent, Angela Ramos, knowingly submitted false information to Encompass Insurance, on a Recorded Statement dated December 12, 2011, pertaining to an Application for Benefits-Personal Injury Protection (PIP) form dated June 8, 2011. Specifically, she denied being in any previous motor vehicle accidents and concealed injuries as a result of these accidents.
Civil Penalty: $1,500

Miguel Navos, Hackensack, NJ
Order #13-54131-35, October 15, 2014
Respondent, Miguel Navos, did knowingly submit false and misleading information to Penn National Insurance Company by adding a 2003 Honda CRV to his personal automobile insurance policy on June 17, 2013 and failing to disclose that the vehicle was being used as a Taxi/Limousine for Mickey's Transportation Company, which is owned by Miguel Navos.
Civil Penalty: $2,500

Rodrigo Pullas-Castillo, Waxhaw, NC
Order #10-21798-03, October 8, 2014
Respondent, Rodrigo Pullas-Castillo, gave false and misleading information as to the theft of his risk vehicle to Allstate Insurance Company on December 6, 2008, specifically, that his vehicle was stolen in the City of Newark, NJ, on December 5, 2008, when in fact he had parked it in a garage in New York City, NY.
Civil Penalty: $2,500

Jacqueline Cevallos, Ridgefield Park, NJ
Order #13-54300-35, October 8, 2014
Respondent, Jacqueline Cevallos, knowingly supplied false and misleading statements on an automobile insurance policy with CURE Insurance dated September 26, 2012 and on a renewal application dated July 5, 2013 by failing to disclose that her daughter, Nicole Escoria, was a household member and was living with her at the Ridgefield Park, NJ, address at the time when the vehicle application and renewal application were completed.
Civil Penalty: $1,500

Shareef J. Thomas, Newark, NJ
Order #13-53137-04, October 8, 2014
Respondent, Shareef J. Thomas, knowingly provided false and misleading information while filing a police report with Newark Police Department and a First Notice of Loss (FNOL) with Progressive/Drive New Jersey Insurance Company on October 31, 2012. Specifically, Mr. Thomas stated that his 2005 Jeep Grand Cherokee Limited was struck and damaged by a hit-and-run driver while parked and unoccupied in the area of 100 Ludlow Street, Newark, NJ. Shareef J. Thomas falsely made these statements knowing that his vehicle was involved in a motor vehicle accident in Elizabeth, NJ, on October 30, 2012.
Civil Penalty: $5,000

Johnna L. Venezia, Essex Falls, NJ
Order #13-52215-35, October 8, 2014
Respondent, Johnna L. Venezia, on or about December 27, 2011 and thereafter, failed to disclose to New Jersey Manufacturers Insurance Company that her daughter, Bryanna N. Santaromita, who resides in her household, had first obtained a Probationary New Jersey driver's license and then a New Jersey driver’s license and operates a policy vehicle.
Civil Penalty: $1,500

Elias Perez, Hopatcong, NJ
Order #14-51527-22, October 8, 2014
Respondent, Elias Perez, knowingly submitted false and misleading statement(s) to The Standard Insurance Company on a Life and Disability Insurance Application on December 18, 2013. Specifically, Mr. Perez made multiple misrepresentations on his medical history, specifically, he denied that he had been diagnosed, treated or taken prescription medication for diabetes, hypertension, obesity and a depressive disorder, when in fact he was treated for these conditions.
Civil Penalty: $2,500

Gustavo Granda, Belleville, NJ
Order #14-50591-35, October 7, 2014
Respondent, Gustavo Granda, knowingly submitted statements on a National Liability & Fire Insurance Personal Automobile Policy Application dated November 4, 2013 containing false and misleading information. Specifically, he failed to disclose that his vehicle would be used for commercial purposes.
Civil Penalty: $1,500

Rose Allen, Clifton, NJ
Order #10-22990-45, October 2, 2014
Respondent, Rose Allen, between January 20, 2010 and April 13, 2010, conspired with Camille Smythe by allowing Camille Smythe to use her identity to obtain health and dental insurance benefits from Horizon Blue Cross Blue Shield of New Jersey and receive services to which Camille Smythe was not entitled.
Civil Penalty: $3,000

Carlos Monteiro, Newark, NJ
Order #11-22158-03, October 2, 2014
Respondent, Carlos Monteiro, made a false and misleading statement to Pacific Specialty Insurance Company when he submitted a claim for his alleged stolen motorcycle. Specifically, on September 20, 2012, he claimed the motorcycle was stolen, when in fact, he shipped the motorcycle in a container to a house in Portugal.
Civil Penalty: $5,000

Nancy E. Snorton, Newark, NJ
Order #12-52181-35, October 2, 2014
Respondent, Nancy E. Snorton, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on a policy application dated January 20, 2011.  Specifically, Ms. Snorton failed to disclose her son, Darius Snorton, and her daughter, Subrinah S. Snorton, as licensed household drivers and household members.  Additionally, Ms. Snorton withheld this information from New Jersey Manufacturers Insurance Company multiple times through February 7, 2012 as well.
Civil Penalty: $1,500

Joshua M. Guzman, Staten Island, NY
Order #14-50750-35, October 16, 2014
Respondent, Joshua M. Guzman, knowingly presented false and misleading information on his automobile insurance application dated February 26, 2011 with CURE Insurance Company. Joshua M. Guzman also conspired with his friend, Andy Herrera, to allow him to operate a policy vehicle (Honda Civic) and garage the vehicle in New York.
Civil Penalty: $1,500

Marbelly Leonardo, Carteret, NJ
Order #13-54862-35, October 16, 2014
Respondent, Marbelly Leonardo, knowingly provided false and misleading information to Progressive Garden State Insurance Company by applying for auto insurance and failing to disclose on the same day she was in an accident during a lapse in coverage. Ms. Leonardo put in a claim on her accident that occurred on October 5, 2013 and then withdrew the claim knowing she called for auto insurance after her accident.
Civil Penalty: $1,500

Romeo Wanley, Trenton, NJ
Order #13-51263-35, October 28, 2014
Respondent, Romeo Wanley, submitted false and misleading information on his CURE Insurance auto application dated May 19, 2012 by failing to disclose that he was legally married to Hannah Wanley and that she was a resident of the household.
Civil Penalty: $1,500

Ruben Padilla, Paterson, NJ
Order #12-51965-07, October 2, 2014
Respondent, Ruben Padilla, engaged in a staged motor vehicle accident on August 19, 2010 and knowingly provided false and misleading information to the police and insurance companies and as a result submitted health insurance claims.
Civil Penalty: $4,000

Thomas Griffin, Middlesex, NJ
Order #14-50806-35, October 2, 2014
Respondent, Thomas Griffin, knowingly failed to disclose to Plymouth Rock Assurance Company, when applying for coverage on September 3, 2013, that he would be utilizing two of the four covered vehicles for commercial purposes, the 1999 F350 Super Duty truck and the 2000 F250 Super Duty truck, associated with his landscaping business. Whereas, respondent, Thomas Griffin, knowingly failed to disclose on a Plymouth Rock Assurance Company Underwriting Inquiry dated October 4, 2013, that the 1999 F350 Super Duty truck and the 2000 F250 Super Duty truck were being operated for commercial purposes.
Civil Penalty: $1,500 

Brian Castone, Somerset, NJ
Order #14-50282-35, October 2, 2014
Respondent, Brian Castone, knowing submitted false and misleading statements on his Geico Insurance Company online policy application dated October 21, 2013. Specifically the respondent, Brian Castone, falsely stated the commercial purpose, garaging address, and the additional drivers for the insured 2014 Porsche Cayenne.
Civil Penalty: $1,500

Rosa M. Cortez, Hamilton, NJ
Order #12-51930-35, October 28, 2014
Respondent, Rosa M. Cortez, did provide materially false statements to New Jersey Manufacturers Insurance Company representatives on June 21, 2006, November 17, 2006, June 18, 2008, and June 26, 2008, by knowingly failing to disclose her boyfriend, Ray Brown, Jr., as a resident in the household possessing a suspended New Jersey driver’s license.
Civil Penalty: $1,500

Alexis Combs, Pennsauken, NJ
Order #13-52796-35, October 23, 2014
Respondent, Alexis Combs, did knowingly fail to disclose her husband, Levi Combs, III, as a licensed driver of her insured vehicles on her CURE Auto Insurance application for automobile insurance dated February 13, 2012.
Civil Penalty: $1,500

James M. Kinsey III, Mays Landing, NJ
Order #12-50003-33, October 15, 2014
Respondent, James M. Kinsey III, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company; specifically, by failing to disclose he returned to work on August 10, 2011 while collecting worker's compensation benefits.
Civil Penalty: $2,500

Yvonne Castillo, Belleville, NJ
Order #14-50778-10, October 2, 2014
Respondent, Yvonne Castillo, did knowingly give false and misleading information to Farmers Insurance Company of Flemington stating that her siding was damaged by a windstorm on January 3, 2014 when in fact, the damage has been there since the purchase of the house in 2007.
Civil Penalty: $3,500

Viswanath V. Shankar, Jersey City, NJ
Order #14-50622-04, October 2, 2014
Respondent, Viswanath V. Shankar, did knowingly provide a material misrepresentation to the Progressive Garden State Insurance Company on February 2, 2014 by claiming that his 2009 BMW was involved in a crash at 6:00 PM that date, knowing that the loss actually occurred prior to his adding collision and comprehensive coverage.
Civil Penalty: $2,500

Rajan Rai, Delanco, NJ
Order #13-54645-35, October 2, 2014
Respondent, Rajan Rai, failed to disclose his wife, Sapna Rai, as a household resident on his Plymouth Rock Assurance new business auto policy dated June 28, 2013.
Civil Penalty: $500

Reyna Martinez, Camden, NJ
Order #13-55043-35, October 15, 2014
Respondent, Reyna Martinez, did knowingly provide material false information on an initial application for auto insurance with NJ Skylands Insurance Association on September 27, 2013 by failing to disclose her son, Lorenzo Martinez, as a household resident and driver.
Civil Penalty: $1,500

Jamilah Stephens, East Orange, NJ
Order #12-51630-03, October 16, 2014
Respondent, Jamilah Stephens, admits she made statements to Progressive Garden State Insurance (“Progressive”) regarding the theft of her insured vehicle, a 2008 BMW, knowing that the statements contained false and misleading information concerning a fact or thing material to her claim for insurance benefits.
Civil Penalty: $5,000

Quadirah A. Thompson, Scotch Plains, NJ
Order #12-52883-04, October 30, 2014
Respondent, Quadirah A. Thompson, knowingly provided false and misleading information when obtaining a Progressive Garden State Insurance Company automobile insurance policy, as well as when pursuing a subsequent auto theft claim.  Specifically, on April 27, 2012, the respondent completed an online application and then purchased this insurance at 3:44 AM, knowing that prior to the inception of the policy, her brother, Jamaal Thompson, was the victim of an alleged carjacking and crash while in possession of the insured vehicle.
Civil Penalty: $3,500

Khaled M. Sawalhi, Clifton, NJ
Order #12-52028-04, October 30, 2014
Respondent, Khaled M. Sawalhi, provided false and misleading information to Plymouth Rock (Palisades) Assurance Company on October 8, 2010 by submitting an automobile damage claim for an accident that occurred on August 13, 2013 and concealing the fact he had already been partially reimbursed for his loss by the driver of the other vehicle.
Civil Penalty: $3,000

Jonathan H. Tubay, Lodi, NJ
Order #14-51317-04, October 30, 2014
Respondent, Jonathan H. Tubay, knowingly verified false and misleading statements when he electronically signed a Progressive Garden State Insurance Company "Statement of No Loss" on March 15, 2014, at 4:28 PM. Specifically, Mr. Tubay fraudulently asserted that between the dates of March 14, 2014 at 12:01 AM and March 15, 2014 at 4:28 PM, he was not involved in any losses, when in fact he was involved in a motor vehicle accident on March 15, 2014 at 1:50 PM.
Civil Penalty: $2,500

Lisa A. Heft, Summit, NJ
Order #14-51002-35, October 30, 2014
Respondent, Lisa A. Heft, knowingly and intentionally did on September 30, 2012 provide false and misleading information to New Jersey Manufacturers Insurance Company on her automobile insurance questionnaire by failing to disclose her niece as an additional driver of her 1997 Mazda Protégé and the garaging location of the vehicle.
Civil Penalty: $1,500

Jose L. Montalvo, Paterson, NJ
Order #14-51173-35, October 30, 2014
Respondent, Jose L. Montalvo, knowingly provided false and misleading information on November 30, 2011, while completing an application to obtain automobile insurance coverage from Metropolitan Property and Casualty Insurance Company.  Specifically, Mr. Montalvo failed to disclose that his father, Samuel L. Montalvo, was a licensed driver living in the applicant's household, and that his mother, Delia Montalvo, and his son, Jordano J. Montalvo, were residents in the policy household.  In addition, Jose L. Montalvo neglected to add Jordano J. Montalvo to the policy as a licensed driver when his son was issued a New Jersey Driver's License on September 19, 2013.
Civil Penalty: $1,500

Ashantia Wilkerson, Newark, NJ
Order #04-20006-07, October 30, 2014
Respondent, Ashantia Wilkerson, provided false and misleading information on three (3) High Point Insurance Company Policy Amended Declarations for the Policy Period: August 9, 2009 to February 9, 2010, February 9, 2010 to August 9, 2010 and August 9, 2010 to February 9, 2011 by failing to disclose that his 2001 Chrysler was not garaged at the policy address, failing to disclose Kasim Nash as a regular operator of the 2001 Chrysler and failing to disclose that the vehicle was used commercially.
Civil Penalty: $1,500

Johnathan R. Taylor, Plainfield, NJ
Order #13-50068-03, October 30, 2014
Respondent, Johnathan R. Taylor, submitted false and misleading information on March 1, 2012, to New Jersey Skylands Insurance Association when he filed an insurance claim pertaining to the theft of his Toyota Sequoia SUV. Specifically, the Respondent reported this vehicle stolen, when in fact, he knew that it was not.
Civil Penalty: $5,000

Charles Parker, Hopatcong, NJ
Order #13-51756-24, October 30, 2014
Respondent, Charles Parker, from June 27, 2008 to February 4, 2010, provided false and misleading statements to Horizon Blue Cross Blue Shield of New Jersey.  Specifically, by being paid for prescriptions that he submitted but did not receive.
Civil Penalty: $5,000

Suliaman Kamara, Newark, NJ
Order #12-52612-03, October 30, 2014
Respondent Suliaman Kamara, made false and misleading statements when he reported to Liberty Mutual Insurance Company, on February 23, 2009, that his 2003 GMC Yukon was stolen from in front of his residence, when in fact he knew that this was false.
Civil Penalty: $3,750

Charles Chichizola, Hawthorne, NJ
Order #13-52840-03, October 30, 2014
Respondent, Charles Chichizola, while neither admitting nor denying guilt, allegedly reported that he was carjacked on May 18, 2013 to the West New York, New Jersey Police Department and then on May 20, 2013 to his carrier, Plymouth Rock Insurance Companies, when in fact it was not.
Civil Penalty: $3,000

Joseph A. Vitiello, Easton, NJ
Order #12-50247-35, October 30, 2014
Respondent, Joseph A. Vitiello, knowingly provided false and misleading statements while adding a 2009 Honda Civic to his New Jersey Manufacturers Insurance Company Automobile Insurance Policy between April 9, 2010 and April 12, 2010.  Specifically, Mr. Vitiello stated that this vehicle was solely owned and operated by him, when in fact it was co-owned and operated by Robert Palmiere, Jr.
Civil Penalty: $1,500

Andre J. Verge, Succasunna, NJ
Order #09-24428-19, October 29, 2014
Respondent Andre J. Verge, while neither admitting nor denying guilt, filed a rental property damage claim on diverse dates between November 17, 2009 and August 31, 2010, allegedly providing false and misleading information in pursuance of an insurance claim to Pellichio Insurance Company, LLC, JIMCOR Agencies and/or Underwriters at Lloyd's of London.
Civil Penalty: $5,000

William Barona-Bedoya, Bergenfield, NJ
Order #14-50871-35, October 30, 2014
Respondent, William Barona-Bedoya, did knowingly conspire with Jhon Carvajal by concealing from Encompass Insurance Company on March 18, 2010 and October 28, 2013 that William Barona-Bedoya was a regular non-resident operator of Jhon Cavarjal's 1993 Nissan Pathfinder and a 2005 Ford Explorer.
Civil Penalty: $1,500

Antonio Vidro, Passaic, NJ
Order #12-51965-07, October 30, 2014
Respondent, Antonio Vidro, engaged in a staged motor vehicle accident on August 19, 2010 and knowingly provided false and misleading information to the police and insurance companies and as a result submitted health insurance claims.
Civil Penalty: $4,000

Rosa L. Florindo, Matawan, NJ
Order #14-50532-35, October 30, 2014
Respondent, Rosa L. Florindo, knowingly supplied materially false information on an application for automobile insurance coverage to Palisades Insurance Company on February 4, 2013, by failing to disclose the true garaging location of New York, New York.
Civil Penalty: $1,500

 
September


Executed Consent Orders

Christina I. Santaite, Cresskill, NJ
Order #14-50085-35, September 3, 2014
Respondent, Christina I. Santaite, provided false and misleading information to CURE Insurance Company, on or about June 30, 2013, when submitting an online application for an automobile insurance policy by applying for the policy under her stepfather's name and not under her own name.
Civil Penalty: $1,500

Jose A. Lopez, Hillside, NJ
Order #13-51346-35, September 3, 2014
Respondent, Jose A. Lopez, gave false and misleading information to CURE Insurance Company on his online policy application dated August 10, 2012. Specifically, he failed to disclose an additional household member, his mother, Alba Isaza.
Civil Penalty: $1,500

Michelle Terry, Irvington, NJ
Order #08-21789-03, September 3, 2014
Respondent, Michelle Terry, knowingly and unlawfully filed an auto theft claim with GEICO Insurance Company on February 17, 2008 containing false and misleading information. Specifically, she reported that her vehicle was stolen when in fact she had participated in the loss by intentionally setting fire to her vehicle.
Civil Penalty: $5,000

Xavier Ellis, Newark, NJ
Order #12-53259-41, September 3, 2014
Respondent, Xavier Ellis, did purposefully execute and submit a written Attending Physician Statement Form to Allstate Benefits Insurance/American Heritage Life Insurance Company while purporting to be a physician, on three separate occasions (December 19, 2011, May 24, 2012 and August 8, 2012) in support of disability benefits.  Specifically, he forged Dr. Tasneem J. Rashid's signature on three Attending Physician Statement Forms for which Dr. Rashid verified he did not author.
Civil Penalty: $7,500

Jose Moore, Clifton, NJ
Order #14-50813-35, September 3, 2014
Respondent, Jose Moore, knowingly provided false and misleading information on his personal automobile application with GEICO Insurance Company dated January 10, 2014, specifically, by failing to provide the correct location of the four (4) vehicles that he had insured with the carrier. Mr. Moore had originally provided an Englewood address where the vehicles were stored, when in fact he kept them in a garage in Paterson, NJ.
Civil Penalty: $1,500

Wayne Johnson, Newark, NJ
Order #13-50876-35, September 3, 2014
Respondent, Wayne Johnson, knowingly provided false and misleading information on his auto application with CURE Insurance Company dated January 25, 2012.  Specifically, Mr. Johnson listed his policy address as 33 Concord Road, Apartment D, West Milford, NJ, when in fact his policy address was 361 S. 19th St., Apartment # 1, Newark, NJ.
Civil Penalty: $1,500

Joseph St. Clair, Ocean City, NJ
Order #13-54314-39, September 3, 2014
Respondent, Joseph St. Clair, did knowingly provide material false information on a life insurance application dated November 29, 2012 with New York Life Insurance Company. Specifically, Joseph St. Clair failed to disclose his atrial fibrillation diagnosis and his medication.
Civil Penalty: $1,500

Sonal Kumar-Peterkin, Princeton Junction, NJ
Order #13-53925-35, September 3, 2014
Respondent, Sonal Kumar-Peterkin, did provide materially false written statements to CURE Insurance Company in obtaining her automobile insurance on September 28, 2011 and renewing her automobile insurance policy on July 12, 2012.  She failed to disclose her husband, Bryant Peterkin, and her father, Anjani Dipankar, who was the primary operator of one of the policy vehicles and used the vehicle for his employment as a pizza delivery person.
Civil Penalty: $1,500

Tara Steponick, Tabernacle, NJ
Order #11-21074-16, September 3, 2014
Respondent, Tara Steponick, knowingly presented material false statements to Farmers Mutual Fire Insurance Company of Salem County, by submitting a fraudulent invoice identified as Tri-State Carpet Distributors and fraudulent cash receipts for floor replacement, when in fact the floor was not replaced.
Civil Penalty: $2,500

Miguel Marques, Newark, NJ
Order #13-54079-04, September 3, 2014
Respondent, Miguel Marques, knowingly made misrepresentation(s) on an insurance claim dated July 3, 2013 to Progressive Garden State Insurance Company. Specifically, he stated that his car was damaged in a flood and was towed by Malachi Towing Company, when in fact it was not.
Civil Penalty: $3,000

Alan A. Schwartz, DMD, Lanoka Harbor, NJ
Order #11-22929-45, September 3, 2014
Respondent, Alan A. Schwartz, DMD, knowingly submitted two (2) forged prescriptions dated May 1, 2011 and May 7, 2011 to Walmart and Shoprite Pharmacies using his Horizon Blue Cross and Blue Shield insurance plan knowing that he was not entitled to those benefits.
Civil Penalty: $1,500

Dawn L. Onque, Somerset, NJ
Order #14-50748-35, September 9, 2014
Respondent, Dawn L. Onque, submitted false and misleading statements on her CURE Insurance Company auto policy online application questionnaire dated November 29, 2013. Specifically, Dawn L. Onque failed to disclose her boyfriend, Carl D. Smith, did reside with her and also possessed a New Jersey driver's license.
Civil Penalty: $1,500

Aaron Manopo, Metuchen, NJ
Order #14-51054-35, September 9, 2014
Respondent, Aaron Manopo, obtained a CURE Insurance Company policy on April 7, 2010.  On April 8, 2011 and April 8, 2012 he sent into CURE Insurance Company his renewal questionnaire and failed to list his parents, Oldy Manopo, Helena Manopo, and his sister, Stella Manopo, on initial application and renewals as household residents resulting in a premium savings of $259.
Civil Penalty: $1,500.

George Rivera, Plainfield, NJ
Order #13-53640-35, September 9, 2014
Respondent, George Rivera, knowingly submitted false and misleading information on his CURE Insurance Company auto application dated July 6, 2012 by failing to disclose that he was legally married to Shonda Dixon Rivera and that one of the insured vehicles was being garaged in Maryland permanently.
Civil Penalty: $1,500

Comprehensive Cancer & Hematology Specialists, PC, Voorhees, NJ
Order #12-53763-24, September 9, 2014
Respondent, Comprehensive Cancer & Hematology Specialists, P.C., Ann Marie Edwards, CEO, knowingly billed Aetna Insurance Company and Horizon Blue Cross Blue Shield Insurance Company under CPT codes 96523 and 96374 when one is inclusive in the other in order to gain a benefit to which they were not entitled. The claimed services were rendered to patients on the same date of service although billed under separate claims.
Civil Penalty: $250,000

Kenah I. Kennedy, Newark, NJ
Order #14-51333-35, September 18, 2014
Respondent, Kenah I. Kennedy, knowingly conspired with her grandmother, Imogene Kennedy, to make material misrepresentations to New Jersey Manufacturers Insurance Company regarding the garaging location and regular operator of Imogene Kennedy's 2001 Honda for the purpose of obtaining automobile insurance coverage for which they were not entitled.
Civil Penalty: $1,500

Imogene W. Kennedy, Newark, NJ
Order #14-51333-35, September 18, 2014
Respondent, Imogene W. Kennedy, knowingly made material misrepresentations to New Jersey Manufacturers Insurance Company by failing to disclose the true garaging location and regular operator of her 2001 Honda on renewal applications for automobile insurance dated November 9, 2011 and November 12, 2012.
Civil Penalty: $1,500

Marcello D. Alfone, Kearny, NJ
Order #12-51689-06, September 18, 2014
Respondent, Marcello D. Alfone, provided false and misleading information to Progressive Garden State Insurance Company by submitting a claim on November 23, 2011 and in an Examination Under Oath, on February 27, 2012, stating that his 2000 Audi S4 had been stolen, when in fact, the vehicle had not been stolen.
Civil Penalty: $4,000

Frank Holzworth, Hackettstown, NJ
Order #13-52897-33, September 18, 2014
Respondent, Frank Holzworth, owner of Holzworth Landscaping, failed to list a part-time employee on his workman’s compensation policy with Selective Insurance Company for the four (4) quarters of 2012 and the first quarter of 2013.
Civil Penalty: $1,500

Humberto Benjamin, Pine Brook, NJ
Order #14-50840-35, September 18, 2014
Respondent, Humberto Benjamin, knowingly made misrepresentation(s) on his automobile application to MetLife Insurance Company dated December 1, 2012.  Specifically, he failed to disclose that the 2000 Jeep that he insured was not registered to him, but to his son, Ronny Benjamin, and that Ronny Benjamin was a household member and driver of this vehicle. Ronny Benjamin was involved in an automobile accident on December 13, 2013, while driving in New York.
Civil Penalty: $1,500

Luis M. Guzman, Ocean, NJ
Order #13-52253-35, September 18, 2014
Respondent, Luis M. Guzman, obtained an automobile insurance policy with GEICO Insurance Company and did not disclose three individuals that drove the vehicles on the policy on a regular basis. The undisclosed drivers are Juan Carlos Guzman (brother), Victor Rodriguez (friend), and Victoria Gonzalez (friend).
Civil Penalty: $1,500

Manuel H. Garcia, Long Branch, NJ
Order #13-52297-35, September 18, 2014
Respondent, Manuel H. Garcia, knowingly gave false and misleading information to 21st Century Centennial Insurance Company by not disclosing that undocumented individuals were driving policy vehicles on a regular basis. The individuals are Sergio Rojas, and Martin (last name unknown).
Civil Penalty: $1,500

Sugrim Dwarka, Jersey City, NJ
Order #14-50907-35, September 18, 2014
Respondent, Sugrim Dwarka, knowingly submitted false and misleading information to IFA Insurance Company on his automobile application for insurance dated October 11, 2012.  Surgrim Dwarka failed to disclose his wife, Seeranie Seewah Dwarka, as an operator of the policy vehicle (2002 Mercedes Benz).
Civil Penalty: $1,500

Govana D. Barnave, Newark, NJ
Order #13-51197-35, September 18, 2014
Respondent, Govana D. Barnave, knowingly provided false and misleading information while completing an online CURE Insurance Company application to obtain automobile coverage on January 31, 2012. Specifically, respondent designated the policy address and garaging location as 14 E. Lincoln St., Verona, NJ, when in fact she was actually residing and garaging the insured vehicle at 280 Smith St., Newark, NJ.
Civil Penalty: $1,500

George Boutros, Clifton, NJ
Order #12-52028-04, September 3, 2014
Respondent, George Boutros, provided false and misleading information to Plymouth Rock (Palisades) Assurance Company on a Statement of No Loss dated August 16, 2010 by reporting that he had not been involved in any accidents since the cancellation of his automobile insurance policy, when in fact, he was involved in an accident on August 13, 2010.
Civil Penalty: $1,500

Dean A. Pegg
, Lafayette, NJ
Order #14-50507-35, September 18, 2014
Respondent, Dean A. Pegg, knowingly failed to provide relevant and necessary information to New Jersey Manufacturers Insurance Company. Specifically, he failed to disclose his son, Dalton J. Pegg, as a licensed household member and an operator of the insured vehicles on renewal questionnaires during the period of 2012-2013.
Civil Penalty: $1,500

Hasan Hayat, Fords, NJ
Order #11-20834-35, September 30, 2014
Respondent, Hasan Hayat, knowingly provided false and misleading information to GEICO Indemnity Insurance Company by failing to disclose additional drivers on his application dated August 26, 2009 and renewals up to March 25, 2011.
Civil Penalty: $1,500

Ahmad Alkiswani, Haledon, NJ
Order #13-54244-35, September 25, 2014
Respondent, Ahmad Alkiswani, failed to list his sister-in-law, Martha Alkiswani, as having permissive use of his 2011 Toyota Highlander on his auto renewal with CURE Insurance Company, dated March 31, 2010, and failed to advise CURE Insurance Company that the vehicle would be principally garaged in Brooklyn, NY, at his sister-in law's residence.
Civil Penalty: $1,500

Miriam Ricaldi, Passaic, NJ
Order #13-53485-35, September 25, 2014
Respondent, Miriam Ricaldi, knowingly supplied false and misleading statements on an automobile insurance policy with Mercury Insurance Group, dated August 4, 201, by failing to disclose that she was the owner and principal operator of the insured vehicle and she failed to list the correct garaging location on the vehicle insurance application.
Civil Penalty: $1,500

Morrease Leftwich, East Orange, NJ
Order #13-53188-10, September 25, 2014
Respondent, Morrease Leftwich, knowingly provided false and misleading information to Liberty Mutual Insurance Company on a homeowner's property damage claim dated May 3, 2013.  Specifically, respondent submitted an altered work order/invoice receipt from Electric Sewer & Drain Cleaning Company dated May 6, 2013 totaling $5,900, when in fact the original invoice from the company was $2,900.
Civil Penalty: $3,000

Milford Nixon, Denville, NJ
Order #14-51162-35, September 25, 2014
Respondent, Milford Nixon, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company while completing renewal questionnaires on June 6, 2011, June 12, 2012 and June 15, 2013. Specifically, respondent failed to disclose that a 2006 Nissan Maxima, that he insured, was being regularly garaged at a location other than the policy address.
Civil Penalty: $2,500

Pablo Lopez-Antonio, Long Branch, NJ
Order #11-21465-35, September 25, 2014
Respondent, Pablo Lopez-Antonio, knowingly failed to disclose undisclosed drivers on his automobile insurance with 21st Century Insurance Company. The undisclosed drivers were the customary operators of a 1993 Nissan SX, added to the policy on September 4, 2012, and a 1995 Chevrolet Camaro, added to the policy on September 4, 2012.
Civil Penalty: $3,000

Jordon M. Alter, DDS, Teaneck, NJ
Order #12-52907-35, September 25, 2014
Respondent, Jordan M. Alter, knowingly submitted statements on New Jersey Manufacturers Insurance Company renewal applications dated October 15, 2009, October 15, 2010, and October 15, 2011, containing false and misleading information. Specifically he failed to list his son, Daniel Joel Alter, as another driver and that the insured vehicle was not garaged at the policy address.
Civil Penalty: $1,500

Debra Broderick
, East Windsor, NJ
Order #13-52628-35, September 25, 2014
Respondent, Debra Broderick, presented false and misleading information to 21st Century Insurance Company by failing to disclose her husband, Kevin Broderick, and two sons, Brandon and Shane Broderick, as household members/operators on her auto application dated March 19, 2011 and subsequent renewals.
Civil Penalty: $1,500

A-1 Tree Removal & Services, Inc., Brick, NJ
Order #12-527090-33, September 25, 2014
Respondent, A-1 Tree Removal & Services, Inc., knowingly failed to disclose Junior Ruiz, employee, on a New Jersey Workers' Compensation Insurance Plan Application for Designation of An Insurance Company assigned to American Zurich Insurance Company dated June 19, 2009 and on a New Jersey Manufactures Insurance Company Workers' Compensation Insurance Questionnaire dated July 1, 2010 in violation of N.J.S.A. 17:33A-4. Additionally, A-1 Tree Removal & Services, Inc. provided its insurance agent, Susan Bereman, Brouwer Hansen & Izdebski Associates, payroll records failing to disclose employee, Junior Ruiz, in reference to workers' compensation insurance premium audits involving American Zurich Insurance Company on or about August 24, 2010 and New Jersey Manufactures Insurance Company on or about August 26, 2011 in violation of N.J.S.A. 17:33A-4. There would have been an increase in the workers' compensation insurance premium had A-1 Tree Removal & Services, Inc. disclosed employee, Junior Ruiz, on the workers' compensation insurance application, questionnaire, and/or premium audits. Restitution will be payable to New Jersey Manufactures Insurance Company in the amount of $30,000 and to American Zurich Insurance Company in the amount of up to $5,990.
Civil Penalty: $25,000

Kay F. Skolnik, Barnegat, NJ
Order #13-50836-35, September 25, 2014
Respondent, Kay F. Skolnik, knowingly submitted false and misleading information to CURE Insurance Company on her application dated and signed on October 19, 2012. Kay F. Skolnik failed to disclose that her spouse, Martin Skolnik, had a suspended New Jersey driver’s license and is a regular operator of her insured vehicles.
Civil Penalty: $1,500

Calvin Martin, West Palm Beach, FL
Order #09-21463-03, September 25, 2014
Respondent, Calvin Martin, knowingly and unlawfully filed an auto theft claim with 21st Century Insurance Company on January 26, 2009, containing false and misleading information. Specifically, respondent reported that his vehicle was stolen when in fact he had participated in the loss.
Civil Penalty: $5,000

Bridgett Olds, Newark, NJ
Order #13-53003-35, September 25, 2014
Respondent, Bridgett Olds, when applying for coverage with CURE Insurance Company on February 22, 2013, knowingly failed to disclose that Joseph Olds would be the regular operator of the covered 2003 Dodge Neon.
Civil Penalty: $1,500

Amanda Velez
, Jersey City, NJ
Order #12-53585-35, September 25, 2014
Respondent, Amanda Velez, knowingly purchased an automobile insurance policy from IFA Insurance Company and failed to disclose her son, Edwin Barba, as a household resident, licensed driver and regular operator of the insured's 2002 Mitsubishi Lancer on an application dated April 24, 2012 and on an Undisclosed Driver's Certification dated July 7, 2012.
Civil Penalty: $1,500

Josphat Kamau, Bound Brook, NJ
Order #14-50316-35, September 25, 2014
Respondent, Josphat Kamau, knowingly failed to disclose to CURE Insurance Company on his automobile application dated March 20, 2013 that Kimberly Young was a policy household member, had a suspended driver's license, and would be the regular operator of the covered 2002 Ford Explorer.
Civil Penalty: $1,500

Jennifer Villegas, Clifton, NJ
Order #11-23125-35, September 18, 2014
Respondent, Jennifer Villegas, knowingly provided false and misleading statements on a New Jersey Manufacturers Insurance Company automobile insurance renewal questionnaire dated August 9, 2009, specifically, by failing to disclose that a 2009 Honda was exclusively operated and primarily garaged by Anthony Garcia. Further, respondent provided false and misleading statements on a New Jersey Manufacturers Insurance Company auto property claim dated March 8, 2010 specifically, by indicating that on the date of loss she lent the 2009 Honda Accord to Anthony Garcia as a favor, when in fact, Anthony Garcia was the primary operator of the vehicle in question.
Civil Penalty: $2,500

Robert Portelli, Sunny Isles Beach, FL
Order #11-23546-03, September 18, 2014
Respondent, Robert Portelli, admits that on December 11, 2010, when he completed a New Jersey Manufacturers Insurance Theft Loss Questionnaire, he knowingly stated that his insured vehicle, a 2008 Audi, had between 54,000 and 55,000 miles when the vehicle was stolen on November 10, 2010, when in fact, the insured vehicle had 70,123 miles at the time it was recovered.
Civil Penalty: $2,500

 
August


Executed Consent Orders

David Gonzalez, Passaic, NJ
Order #12-53209-35, August 11, 2014
Respondent, David Gonzalez, gave false and misleading information to CURE Insurance Company on an auto application dated February 8, 2012.  Specifically, he failed to disclose a household member, his girlfriend's son, Jose Rodriguez.
Civil Penalty: $1,500

Rynna Torres, Clifton, NJ
Order #14-50791-35, August 11, 2014
Respondent, Rynna Torres, knowingly submitted false and misleading statement(s) on an IFA Insurance Company automobile application dated November 1, 2010.  Specifically, she stated that she was the only household resident, when in fact Carlos Calderon, who had a suspended license, resided with her as a couple.
Civil Penalty: $1,500

Vanessa Jimenez, Perth Amboy, NJ
Order #13-53088-35, August 11, 2014
Respondent, Vanessa Jimenez, made a material misrepresentation to CURE Insurance Company concerning household residents by failing to list additional members on her 2012 renewal questionnaire resulting in a premium savings of $223 in violation of the New Jersey Insurance Fraud Prevention Act.
Civil Penalty: $1,500

Michael Raganelli, New York City, NY
Order #13-50883-31, August 5, 2014
Respondent, Michael Raganelli, provided false and misleading information to New Jersey Manufacturers Insurance Company in response to a question about his primary residence.  The false and misleading information was provided to New Jersey Manufacturers Insurance Company prior to obtaining his homeowners policy renewal for the period December 3, 2012 to December 3, 2013.  Specifically, Mr. Raganelli represented that he was living seven days a week at 729 Third St., Union Beach, N.J. when, in fact, his primary residence was 360 Central Park West, Apartment 12C, New York City, New York.
Civil Penalty: $1,500

Michelle R. Finamore, Belmar, NJ
Order #13-53139-35, August 4, 2014
Respondent, Michelle R. Finamore, knowingly presented a false statement to Progressive Drive New Jersey Insurance Company on June 12, 2013 relative to a claim, by failing to disclose the actual time of a loss.
Civil Penalty: $1,500

Sorayda Vicuna, Plainfield, NJ
Order #13-54964-35, August 14, 2014
Respondent, Sorayda Vicuna, applied for automobile insurance coverage on September 9, 2013, with CURE Insurance Company, and knowingly failed to disclose Juan Vicuna as a policy household resident.
Civil Penalty: $1,500

Tina Santulli, Belleville, NJ
Order #13-51300-35, August 14, 2014
Respondent, Tina Santulli, knowingly failed to disclose to Progressive Garden State Insurance Company on her Statement of No Loss given on February 19, 2013, that she and her vehicle were involved in a motor vehicle accident on February 16, 2013.
Civil Penalty: $1,500

Darrell Walker, Livingston, NJ
Order #12-50033-22, August 14, 2014
Respondent Darrell Walker, did knowingly file a materially false Beneficiary Statement to Phoenix Life Insurance Company in the name of James Walker, Jr. and received $55,000 in death benefits.
Civil Penalty: $5,000

Melitza Guererro, Passaic, NJ
Order #13-51998-35, August 14, 2014
Respondent, Melitza Guererro, knowingly supplied false and misleading statements on an automobile insurance policy with CURE Insurance Company dated March 20, 2011, by failing to disclose that her live in boyfriend, Elvis Albuerme, was the primary driver of one of the insured two (2) vehicles.
Civil Penalty: $1,500

Connor Walsh, New Milford, NJ
Order #12-53062-04, August 14, 2014
Respondent, Connor Walsh, provided false and misleading information to New Jersey Manufacturers Insurance Company on May 10, 2012, during an Examination Under Oath in support of an automobile damage claim.  Connor Walsh testified that his 2006 Ford Mustang was purchased without rear seats and that he later purchased after-market seats, when in fact, the vehicle already had rear seats when it was purchased.  Connor Walsh attempted to obtain reimbursement for the after-market seats that he never purchased.
Civil Penalty: $2,500

Luis Ortiz, Paterson, NJ
Order #14-50057-35, August 14, 2014
Respondent, Luis Ortiz, knowingly and intentionally did on July 2, 2013 provide false and misleading information to National Liability Fire and Insurance Company on his automobile insurance policy application by failing to disclose his wife as a licensed household member and as an additional driver of his vehicles.
Civil Penalty: $1,500

Betsaida Perez-Garcia, Pleasantville, NJ
Order #13-53141-35, August 14, 2014
Respondent, Betsaida Perez-Garcia, knowingly provided false and misleading information to Progressive Garden State Insurance Company specifically, on May 21, 2013, by changing her $2,000 collision deductible to $500 after the time of the accident and then subsequently submitted a claim to cover the loss and save the $1,500 deductible.
Civil Penalty: $1,500

Mary Leontine Brady, Philadelphia, PA
Order #14-50948-31, August 15, 2014
Respondent, Mary Leontine Brady, did provide materially false statements to Encompass Personal Insurance Company specifically by stating that her primary address was 8 Albatross Point, Bayville, N.J. when, in fact, her primary address was 8712 Frankford Ave., 1B, Philadelphia, PA 19136.
Civil Penalty: $2,500

Stephen Dunnigan, Old Bridge, NJ
Order #13-50566-35, August 19, 2014
Respondent, Stephen Dunnigan, knowingly submitted false and misleading information to IFA Insurance Company on September 13, 2012 when he reinstated his policy. Stephen Dunnigan completed and signed a Statement of No Loss on September 13, 2012, certifying no losses occurred between September 4, 2012 and September 13, 2012, when, in fact, a loss did occur on September 8, 2012.
Civil Penalty: $3,500

Kesha Ankum, Orange, NJ
Order #13-53848-35, August 20, 2014
Respondent, Kesha Ankum, knowingly and intentionally did on February 26, 2013, provide false and misleading information to IFA Insurance Company on her automobile insurance application and on an undisclosed driver certification dated March 10, 2013, by failing to disclose her daughter, Monique Ankum, as a licensed household member or as an additional driver of her vehicle.
Civil Penalty: $1,500

Jefone Lucero, Passaic, NJ
Order #13-51348-35, August 20, 2014
Respondent, Jefone Lucero, knowingly conspired with Isidro and Noelia Leal to provide false and misleading information to CURE Insurance Company on an automobile insurance policy dated January 19, 2012, and concealed that Jefone Lucero was the primary operator of the Leals' 2007 Toyota and that the vehicle was garaged at Jefone Lucero's residence.
Civil Penalty: $500

Isidro Leal, Passaic, NJ
Order #13-51348-35, August 20, 2014
Respondent, Isidro Leal, knowingly made false and misleading statements on a renewal application for CURE Insurance Company on January 19, 2012, when he failed to disclose that his brother-in-law, Jefone Lucero, was the sole operator of the insured's 2007 Toyota and that the vehicle was garaged at Jefone Lucero's residence.
Civil Penalty: $1,500

Hope T. Richardson, East Orange, NJ
Order #12-51511-03, August 20, 2014
Respondent, Hope T. Richardson, knowingly provided false and misleading statements to a representative of Progressive Garden State Insurance Company on February 17, 2012, at approximately 8:55 AM, when she made a payment to renew her automobile insurance coverage and she untruthfully asserted no incidents had occurred during a lapse in coverage that spanned from December 30, 2011 until February 17, 2012.  Furthermore, on the same date at approximately 6:00 PM, Ms. Richardson falsely advised an employee of Progressive Garden State Insurance Company that she discovered her 2005 Jeep Grand Cherokee missing on February 17, 2012 at 10:00 AM, while aware of the fact that earlier in the day, at approximately 3:50 AM, she had already reported the vehicle missing to the Paterson Police Department.
Civil Penalty: $3,500

 
July


Executed Consent Orders

Cesar Cabezas, Charlotte, NC
Order #12-53642-35, July 10, 2014
Respondent, Cesar Cabezas, conspired with Gilberto Lozada-Arellano on March 16, 2010 to conceal from the High Point Safety & Insurance Company (Plymouth Rock Assurance) that Gilberto Lozada-Arellano was the true owner and principal operator of a 2001 Dodge Caravan and principally garaged the vehicle at a location other than the policy address.
Civil Penalty: $500

Gilberto Lozada-Arellano, Parsippany, NJ
Order #12-53642-35, July 16, 2014
Respondent, Gilberto Lozada-Arellano, conspired with Cesar Cebezas on March 16, 2010 to conceal from the High Point Safety & Insurance Company (Plymouth Rock Assurance) that Gilberto Lozada-Arellano was the true owner and principal operator of a 2001 Dodge Caravan and principally garaged the vehicle at a location other than the policy address.
Civil Penalty: $1,500

Manuel Guerra, West New York, NJ
Order #11-22911-05, July 28, 2014
Respondent, Manuel Guerra, submitted a claim for medical coverage to his carrier, Penn National Insurance, containing false and misleading information, specifically, that he was injured while sitting in his parked vehicle when it was struck by another vehicle on May 18, 2011, when in fact he was not in his vehicle.
Civil Penalty: $5,000

Bashkim Dobrushi, Cliffside Park, NJ
Order #13-53660-35, July 28, 2014
Respondent, Bashkim Dobrushi, knowingly submitted a statement on a Liberty Mutual Insurance Company policy application dated February 20, 2009, containing false and misleading information, specifically, failing to disclose his wife, Bajram, sons, Besmir and Jamarber, and daughter, Melissa, as household resident drivers.
Civil Penalty: $1,500

Juan Porras, West New York, NJ
Order #14-50514-35, July 28, 2014
Respondent, Juan Porras, knowingly provided false and misleading information on his personal automobile insurance application with CURE Insurance, dated July 9, 2012. Specifically, he failed to disclose on the initial application that his daughter, Monique Porras, who is a licensed driver, resided with him.
Civil Penalty: $1,500

Rezende Wemerson, Long Branch, NJ
Order #12-53743-35, July 16, 2014
Respondent, Rezende Wemerson, knowingly submitted false and misleading statement(s) to Plymouth Rock Insurance Company dated July 23, 2012. Specifically, he misrepresented the fact concerning a household residence when he neglected to list his wife, Viera Wemerso, who resided with him.
Civil Penalty: $1,500

Robert Branco, Perrineville, NJ
Order #13-50835-23, July 10, 2014
Respondent, Robert Branco, knowingly provided false and misleading information to CURE Insurance Company on his automobile application dated April 25, 2012. Specifically, Mr. Branco failed to disclose that his 2005 Dodge was registered as a commercial vehicle to Wiater Building and Design Inc.
Civil Penalty: $1,500
 
Veronica Gallegos, Jersey City, NJ
Order #13-51021-35, July 16, 2014
Respondent, Veronica Gallegos, knowingly provided false information on a GEICO automobile insurance policy dated November 14, 2012, specifically, by failing to disclose the true garage location of two policy vehicles, a 2004 Acura and a 1997 Acura, as well as the operators of the above policy vehicles.
Civil Penalty: $1,500

Khader Hammad, Paterson, NJ
Order #11-23189-04, July 10, 2014
Respondent, Khader Hammad, provided false and misleading information to Progressive Insurance Company between November 11, 2009 and December 9, 2009, by submitting two automobile damage claims for pre-existing damages and previously receiving reimbursement for one of the claims.
Civil Penalty: $3,500

Anthony Natoli, Clifton, NJ
Order #13-50934-35, July 7, 2014
Respondent, Anthony Natoli, added a 2005 Ford Pick-Up Truck to his existing New Jersey Manufacturers policy on August 8, 2007, listing it for pleasure use only, when in fact it was a Dump Truck with Commercial License Plates. Specifically, the renewal questionnaires for February 5, 2009, February 5, 2010 and February 5, 2011 were filled out and signed by the insured still claiming the 2005 Ford Dump Truck was only being used for pleasure, but still maintaining Commercial License Tags.
Civil Penalty: $2,500

Jose N. Martinez, Elizabeth, NJ
Order #12-53437-35, July 7, 2014
Respondent, Jose N. Martinez, knowingly provided false and misleading information on September 3, 2009, while completing an application to obtain automobile insurance coverage from Plymouth Rock Assurance/Palisades Insurance Company.  Specifically, Mr. Martinez indicated that he was "single" and he failed to disclose that he was married and living with Vilma D. Martinez.  Also, Jose N. Martinez failed to disclose other drivers or additional household members living at the policy address.
Civil Penalty: $2,500

Lester Szewc, Wallington, NJ
Order #13-53015-35, July 7, 2014
Respondent, Lester Szewc, knowingly supplied false and misleading statements on an automobile insurance policy with Metropolitan Life Insurance Company, dated March 3, 2013, specifically, by failing to disclose that his daughter, Kristina Szewc, was the primary driver of the vehicle and the true garaging locating of the vehicle was another location in Wallington, NJ.
Civil Penalty: $1,500

Kunjumon T. Mathai, Belleville, NJ
Order #13-53153-35, July 7, 2014
Respondent, Kunjumon T. Mathai, did on or about March 12, 2010, in an application for automobile insurance, by omission, fail to advise New Jersey Manufacturers that his son, Shawn Mathai, possessed a New Jersey Driver's Learner's Permit.
Civil Penalty: $1,500

Ameerah Boone, Elizabeth, NJ
Order #13-54657-35, July 2, 2014
Respondent, Ameerah Boone, returned an April 2009 policy renewal questionnaire, signed on January 23, 2009, and knowingly failed to disclose Derrick Belvin as a policy household resident.
Civil Penalty: $1,500

Ana Barreno, Plainsboro, NJ
Order #13-54727-35, July 16, 2014
Respondent, Ana Barreno, did knowingly provide misleading information to the Cure Insurance Company by not disclosing Thushan Nithiananthan as a licensed household member and driver of the policy vehicle on her auto application dated March 15, 2013.
Civil Penalty: $1,500

Cristina Padilla-Manzano, Plainfield, NJ
Order #13-52613-35, July 8, 2014
Respondent, Cristina Padilla-Manzano, knowingly provided false and misleading information to GEICO Indemnity Insurance Company by failing to disclose additional drivers on her renewal policy application dated November 19, 2012.
Civil Penalty: $1,500

Allison R. Finamore, Belmar, NJ
Order #13-53139-35, July 7, 2014
Respondent, Allison R. Finamore, knowingly supplied false information to Progressive Drive New Jersey Insurance Company on June 11, 2013, by adding her sister, Michelle R. Finamore, and a vehicle to her policy in an attempt to have a previous accident covered.
Civil Penalty: $1,500

Deshann Allen, Middlesex, NJ
Order #13-52999-35, July 7, 2014
Respondent, Deshann Allen, did knowingly fail to disclose her daughter, Terrae Colter, on her CURE auto insurance application dated March 18, 2010 and renewals dated January 7, 2011, January 2, 2012, January 14, 2013 and March 13, 2013 as an operator of the insured vehicle.
Civil Penalty: $1,500

Sarah Swain, Richland, NJ
Order #13-53304-35, July 7, 2014
Respondent, Sarah Swain, knowingly concealed relevant evidence of application fraud to CURE Insurance Company on April 16, 2013 by failing to disclose an additional household member, specifically, Jamil A. Swain, on an application for automobile insurance coverage.
Civil Penalty: $1,500

Itzel C.  Jimenez, North Brunswick, NJ
Order #14-50515-35, July 7, 2014
Respondent, Itzel C. Jimenez, provided false and misleading information material to an automobile insurance policy with CURE Insurance Company.  Respondent failed to disclose a non-resident driver, Ruben D. Jimenez, as the primary operator of two insured risks, a 2004 Mazda from November 8, 2012 to May 24, 2013, and a 2003 Volkswagen from May 24, 2013 to August 20, 2013, and an alternate garaging location for both vehicles.
Civil Penalty: $1,500

Shakeem T.  Brown, Bridgeton, NJ
Order #13-54656-35, July 7, 2014
Respondent, Shakeem T. Brown, conspired with Kwan A. Smith, in providing false and misleading information to CURE Insurance Company on an application for automobile insurance, dated October 14, 2011, and on a renewal questionnaire, dated July 27, 2012, in that Shakeem T. Brown was the primary operator of an insured risk, a 2005 Cadillac, garaging the same at his own home.
Civil Penalty: $1,500

Robin Russo, Toms River, NJ
Order #13-54280-44, July 10, 2014
Respondent, Robin Russo, knowingly caused to be presented a claim for services rendered by Joseph Venditto, DMD on July 29, 2013 for patient, Joanne Koob, to Guardian Insurance, where she misrepresented the date of service by backdating the claim within the coverage period due to termination of benefits at the actual time of service.
Civil Penalty: $2,500

Bonnie Gardner, Pine Hill, NJ
Order #14-50018-35, July 16, 2014
Respondent, Bonnie Gardner, did knowingly apply for a CURE automobile insurance policy dated April 19, 2012, and failed to disclose her prior insurance with New Jersey CURE which resulted in her policy being voided due to misrepresentation of material information and paying a Civil Penalty for automobile insurance fraud.
Civil Penalty: $3,000

Jessica Bovenzi, Millville, NJ
Order #13-54075-35, July 16, 2014
Respondent, Jessica Bovenzi, did provide materially false statements to Personal Service Insurance on May 3, 2013 at 7:01 pm, when obtaining her automobile insurance policy, by knowingly not advising them her vehicle was involved in an accident on May 3, 2013 at 6:27 pm, and then submitted a claim on May 17, 2013 stating the accident occurred on May 6, 2013 at 5:06 pm.
Civil Penalty: $2,500

Brenda J. Maugeri, Burlington, NJ
Order #13-54540-10, July 16, 2014
Respondent, Brenda J. Maugeri, did knowingly provide a false written statement, specifically, a fraudulent receipt in the amount of $194.70, to Homesite Insurance Company, in support of a May 25, 2013 property loss claim #0001344882, for a wind damage claim.
Civil Penalty: $1,000

Lisa Renee Hahnlen, Barnegat, NJ
Order #13-52901-35, July 28, 2014
Respondent, Lisa Renee Hahnlen, knowingly provided false and misleading information on an automobile insurance policy application with New Jersey Manufacturers Insurance Company, and subsequent renewal questionnaires by failing to disclose a resident driver, Robert Hahnlen.
Civil Penalty: $1,500

Francisco Leiva, Trenton, NJ
Order #13-54864-35, July 28, 2014
Respondent, Francisco Leiva, knowingly added his 1999 Nissan Sentra to his active Progressive Insurance Company automobile policy after it had been involved in an accident on November 8, 2013 and then filed a claim for the accident during which he stated that the vehicle had been added to the policy before the accident occurred.
Civil Penalty: $1,500

Joseph D. Cadet, Willingboro, NJ
Order #11-22824-27, July 28, 2014
Respondent, Joseph D. Cadet, did knowingly make a false statement to New Jersey Manufacturers Insurance Company as he attempted to be compensated for a claim #0624533, dated March 13, 2010, that he was already paid for under claim #2008-330544 that occurred on July 19, 2008.
Civil Penalty: $3,500

Wilmer Moreno-Maldonado, South River, NJ
Order #13-52612-35, July 28, 2014
Respondent, Wilmer Moreno-Maldonado, knowingly failed to disclose his wife, Teresa Moreno, on his Penn National Insurance automobile insurance application dated April 20, 2011, amended declaration dated June 13, 2011, February 24, 2012, September 4, 2012, September 5, 2012, March 11, 2013 and the renewal application dated April 20, 2013 as a licensed household member.
Civil Penalty: $1,500

Rangeeta Sarup, Sacramento, CA
Order #12-54353-35, July 28, 2014
Respondent, Rangeeta Sarup, did knowingly provide material false information on an initial application for auto insurance on October 3, 2010, an undisclosed driver certification form dated November 10, 2010, and an automobile policy renewal questionnaire on June 23, 2011 with Plymouth Rock Assurance, by failing to disclose she was married, and failing to disclose her husband Rohit Sarup as a household resident and driver.
Civil Penalty: $1,500

Christopher Montana, DC, Chester, NJ
Order #06-25532-02, July 8, 2014
Respondent, Christopher Montana, DC, between the dates of February 2, 2011 and July 21, 2011, received a total of $19,000 from an attorney, in exchange for Dr. Montana supplying said attorney with a total of 38 patient names, with the intent of generating numerous bodily injury claims.
Civil Penalty: $190,000

Charles E. Hill, Newark, NJ
Order #12-52853-31, July 30, 2014
Respondent, Charles E. Hill, submitted statements on a policy application dated July 13, 2012 to GEICO Insurance Company, containing false and misleading information, specifically, stating he resides at 154 East 2nd Avenue, Roselle, NJ, when in fact he resides at 43 Stretcher Street, New Jersey.
Civil Penalty: $1,500

Claudia Aguirre-Cruz, Passaic, NJ
Order #13-50907-35, July 30, 2014
Respondent, Claudia Aguirre-Cruz, knowingly made material misrepresentations to New Jersey Manufacturers Insurance Company on an automobile insurance application dated December 15, 2010 and on a renewal questionnaire dated June 13, 2012 by failing to disclose that her mother, Sofia Aguirre, was a licensed household resident and a regular operator of an insured vehicle.
Civil Penalty: $1,500

Barry K. Dixon, Englewood, NJ
Order #14-50103-35, July 30, 2014
Respondent, Barry K. Dixon, conspired with Denise Dixon, by knowingly submitting statements on a New Jersey Manufacturers Insurance Company renewal application dated March 17, 2013, containing false and misleading information, specifically, that Denise Dixon allowed her brother, Barry Dixon, to operate the insured vehicle, a 2002 Kia, and garage the insured vehicle at an address other than the policy address in Hackensack, NJ.
Civil Penalty: $500

Denise Dixon, Hackensack, NJ
Order #14-50103-35, July 30, 2014
Respondent, Denise Dixon, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance, specifically, by contacting New Jersey Manufacturers Insurance on August 12, 2012 and failing to disclose that a policy vehicle, a 2002 Kia, was not garaged at the policy address as well as failing to disclose that Barry Dixon was an operator of the 2002 Kia.
Civil Penalty: $1,500

Tanayah Bruce, Hackensack, NJ
Order #13-50466-35, July 30, 2014
Respondent, Tanayah Bruce, gave false and misleading statements to CURE Insurance when she failed to list Darnell Barber on her automobile insurance policy as a driver of the second vehicle, which was added to the policy effective July 16, 2011.
Civil Penalty: $1,500

Michael Tang, Somerset, NJ
Order #10-22836-35, July 30, 2014
Respondent, Michael Tang, knowingly failed to list his son, Andrew Tang, on his auto insurance policy with NJ Skylands Insurance Company as a licensed driver and member of the household, during the policy period of April 29, 2010 to April 29, 2011. On July 6, 2010 Andrew Tang was involved in an accident while driving a 1998 Nissan 240SX, that was insured and registered to the policy holder Michael Tang.
Civil Penalty: $1,500

 
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